Takeaway shop insurance

A flexible & tailored policy designed to meet your takeaways needs

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How does insurance for takeaways work?

Proudly protecting thousands of Britain’s takeaways

From your Indian takeaway to your Italian pizza house, takeaway insurance by The Insurance Octopus has been designed with takeaway businesses in mind. The UK loves a takeaway and we want to ensure your businesses ongoing success with our comprehensive low cost business insurance policies which we’ve designed to be as flexible as possible, allowing you to tailor your takeaway shop insurance to provide all of the essential cover you need in one business insurance policy.



What your takeaway insurance policy includes



Public Liability insurance
Public Liability insurance provides necessary protection for takeaway in the event that a member of the public gets hurt or injured whilst on your premises. Public Liability insurance is available across various levels of cover ranging from £1m, £2m and £5m.

Product liability insurance for takeaways
As a takeaway you won’t want to leave things to chance, so securing a policy which includes product liability should be of the utmost importance. Protecting you from injury and illness claims caused due to the goods you sell, it will cover the cost of defending any claims as well as any compensation costs.

Employers Liability insurance
Employers Liability insurance is a legal obligation to have if you employ permanent or temporary members of staff. As an employer, it is a legal responsibility to ensure that you have provided safe and secure surroundings for your employees. Cover is available at a standard level of £10m.

Contents and Stock insurance
Contents and stock cover can insure your stock, business equipment, fixtures and fittings including expensive refrigeration and freezer units. We can also cover you for deterioration of stock, in events whereby your stock is soiled and unsellable due to your refrigeration and freezer equipment failing.

Legal Expenses cover
Legal Expenses insurance will cover you if you have a legal dispute. Legal expenses can be costly and stressful but having legal expenses cover will give you financial protection cover for you and your business. The costs of legal representation can not only be expensive, but they can disrupt a business and cause lasting damage if you do not have them covered.



Why you need takeaway food insurance



Running a takeaway can be highly profitable so you need to be able to protect your business and yourself from financial loss. As a takeaway shop owner, you are at risk from a number of daily perils including: malicious damage, theft of stock, theft of monies by an employee, fire & arson as well as a range of natural disasters such as floods. All of these risks factors need to be considered when looking for a comprehensive takeaway food insurance policy.

As a food related business you also face the risks that come with selling food. Some of the most common and potentially most expensive food related insurance claims include:

• bouts of food poisoning brought on by food you’ve sold

• nasty allergic reactions, problematic if the customer has disclosed the allergy

• a range of different types of food contamination

Our cover can ultimately protect you against compensation claims and the costs incurred from defending legal action -as even if you win a case, legal fees can be considerable.

No two takeaways are the same – which is why
we take a tailored approach to when it comes to their insurance

Considered business interruption cover?

Consider how your business would survive following a disaster such as a fire or flood. Would you be able to continue operating in these circumstances? Business interruption cover protects you against loss of income in such instances and could be the lifeline your business needs following a disaster.

Takeaway insurance experts

When you’re considering taking out a policy, one of The Insurance Octopus’ specialists will discuss your business requirements with you and compare personalised quotes from a number of major UK insurance providers. We can provide you with your business insurance and documents on the same day in most cases, offering a range of flexible payment options, including Direct Debit. Speak to us today to get a quote.

Why choose us to insure your takeaway shop?

We proudly make buying insurance different and our cover comes with a range of benefits.

Up to £5 million of cover

Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for shops. With more available upon request.

Fast specific cover

To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.

An expert who knows your industry

We'll connect you with an agent who is an expert in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.

Easy claims process

Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.

Octopus customer rewards

We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.

No mid term fees, ever

We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.

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Takeaway Shop Insurance FAQ's

Get the answers you're looking for

What level of public liability insurance does my takeaway need?

Public liability insurance effectively protects you should a member of the public be hurt on your premises. So, the level of cover required by your take away depends on various factors. These include the size of your business, the equipment you use and the potential extent of any injury that could be caused resulting in compensation claims when something goes wrong. Complete our online quote today or call our team and we can help you determine the right level for you.

What level of public liability insurance does my takeaway need?

Can you insure the improvements you make to your takeaway shop?

Yes, if rented, we can insure most improvements that you make with the landlord’s permission to your shop. These improvements can be permanent or temporary, including fixtures, alterations, installations or any other additions that improve the premises. The landlord’s insurance policy won’t pay for the cost to reinstate the improvements as a result of a claim as they belong to you. For example we can help you insure against loss or damage to your improvements if you install a new display, signage or counter.

Can you insure the improvements you make to your takeaway shop?

What are common food insurance claim types?

Working in the food industry can be tricky, on top of all the challenges that any business faces, food retailers and suppliers have to think about other types of food insurance claims that are more common than you think. For example:

  • Food becomes unfit for consumption when a fridge or freezer breaks down.
  • A customer unwittingly eats something they are allergic to, but weren’t aware it was an ingredient.
  • Customers develop food poisoning after eating food prepared on your premises.

What are common food insurance claim types?

How it works

Examples of Takeaway Shop Insurance in action

Taking away £5,000

Walking into a takeaway restaurant, a customer trips on a poorly laid welcome mat, resulting in them losing a tooth. This injury results in expensive private dental treatment for a crown replacement, at which point the customer chooses to take legal action against the takeaway for the cost of his new tooth as well as compensation for other medical costs and legal fees. The takeaway’s public liability insurance covers the costs for the property, resulting in no loss.

Types of Retail Shop Insurance we can provide

Bakery Insurance
Boutique Shop Insurance
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Butchers Insurance
Cafe & Coffee ...
Cake Makers Insurance
Delicatessen Insurance
Fish and Chips ...
Florists Insurance
Ice Cream Parlour ...
Newsagents Insurance
Pet Shop Insurance
Sandwich Bar Insurance
Takeaway Food Insurance

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